The article demonstrates that the return pattern of each group differs substantially (i.e. the time series of returns for growth stocks is not highly correlated to the time series of returns for value stocks), and that investors in value stocks have the expectation, on average, of receiving higher returns.

The ubiquitous money market mutual fund has been a hot topic at the U.S. Treasury Department and the Securities Exchange Commission (SEC) since the Great Recession and Financial Crisis of 2008/2009. The Government’s concerns are based on actions taken by institutional investors during the crisis when a large institutional money market fund could no longer… Read more »

A list of published articles on the topics of Life Insurance and Annuities, Irrevocable Life Insurance Trusts and Fiduciary liability for insurance transactions and policy management. Asset Allocation, Human Capital, and the Demand to Hold Life Insurance in Retirement – Patrick J. Collins, Ph.D., CLU, CFA, and Huy Lam, CFA, Financial Services Review, (Winter,… Read more »

Let’s say that you have just accumulated $1,000,000 in your investment savings account. Depending on your family circumstances, here are some questions that you might have: How much can I spend? Where should I put the money? How long will the money last? The first question is the “budget” issue; the second question is the… Read more »

There is a doctrine in law that investments must be suitable. This doctrine underlies much of the consumer protection regulation designed to prevent ‘silver-tongued salespeople’ from scamming unsophisticated investors. You probably have heard or seen ads that promise high returns without investment risk. Indeed, this is the pipe dream of all investors: 15% per year… Read more »

The previous blog entry discussed how uncertainty makes risk seem riskier. OK–so what is investment risk? As a general proposition let’s define risk as the possibility of losing some, or all, of your investment principal. The horrible byproduct of taking investment risk is that losses may trigger considerable regret. Had you not taken the risk,… Read more »

Understanding investment risk and uncertainty are both important aspects of becoming a prudent investor. As a general proposition, let’s assume that “uncertainty” is a condition that makes individuals more scared of taking risk. When a child is uncertain about how the world works, he or she might be very concerned about what type of monster… Read more »

Although there are a variety of possible answers—e.g., “risk money to make money”— the best answer is that investing means taking money that you do not wish to spend NOW and sending it into the FUTURE so that it is available for you to spend at a later date. Investing is like stepping into a… Read more »

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